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Financials · CCB

Coastal Financial Corporation (CCB) financials

For the twelve months ended Sep 30, 2026, Coastal Financial Corporation reported $614.86M of revenue and -$3.65M of net income.

Revenue, TTM
$614.86M
Revenue growth, YoY
+11.8%
Net income, TTM
-$3.65M
Net margin
-0.6%
Free cash flow, TTM
$244.25M
EPS, diluted, TTM
-$0.25
Cash
$803.55M
P/S
1.08
Market cap
$667.0M
Annual revenue$541.67M
FY2017FY2025
Annual net income$46.99M
FY2017FY2025
Annual free cash flow$246.15M
FY2017FY2025

CCB revenue and earnings growth

CCB revenueQ3 2026$149.33M

Quarter YoY
+3.2%
QoQ
-16.1%
FY YoY
-6.8%
5Y CAGR
+52.5%

CCB revenue was $149.33M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.2% from a year earlier and down 16.1% from the prior quarter. For the full fiscal 2025 it was $541.67M, down 6.8% from fiscal 2024. Compound annual growth was +52.5% over 5 years. It rose in 7 of the last 8 fiscal years.

CCB net incomeQ3 2026$13.79M

Quarter YoY
+1.4%
FY YoY
+3.9%
5Y CAGR
+25.4%

CCB net income was $13.79M in fiscal Q3 2026 (ended Sep 30, 2026), up 1.4% from a year earlier. For the full fiscal 2025 it was $46.99M, up 3.9% from fiscal 2024. Compound annual growth was +25.4% over 5 years. It rose in each of the last 8 fiscal years. Fiscal 2025 is the highest of the 9 fiscal years on file.

CCB EPSQ3 2026$0.89

Quarter YoY
+1.1%
FY YoY
-6.1%
5Y CAGR
+19.8%

CCB diluted EPS was $0.89 in fiscal Q3 2026 (ended Sep 30, 2026), up 1.1% from a year earlier. For the full fiscal 2025 it was $3.06, down 6.1% from fiscal 2024. Compound annual growth was +19.8% over 5 years.

CCB free cash flowQ3 2026$39.58M

Quarter YoY
-31.0%
QoQ
-47.0%
FY YoY
-1.5%
5Y CAGR
+77.5%

CCB free cash flow was $39.58M in fiscal Q3 2026 (ended Sep 30, 2026), down 31.0% from a year earlier and down 47.0% from the prior quarter. For the full fiscal 2025 it was $246.15M, down 1.5% from fiscal 2024. Compound annual growth was +77.5% over 5 years. It rose in 6 of the last 8 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue$541.67M$581.23M$435.70M$294.72M$107.56M$65.57M$50.27M$40.28M$33.39M
Interest expense--$91.64M$20.39M$3.65M$5.65M$6.58M$3.93M$2.88M
Pre-tax income$61.24M$57.32M$57.13M$50.62M$34.38M$19.14M$16.66M$12.24M$10.09M
Income tax$14.25M$12.10M$12.55M$10.00M$7.37M$4.00M$3.46M$2.54M$4.65M
Net income$46.99M$45.22M$44.58M$40.63M$27.00M$15.15M$13.20M$9.70M$5.44M
EPS, basic$3.12$3.35$3.36$3.14$2.25$1.27$1.11$0.93$0.59
EPS, diluted$3.06$3.26$3.27$3.01$2.16$1.24$1.08$0.91$0.59
Diluted shares15.4M13.9M13.6M13.5M12.5M12.2M12.2M10.6M9.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Cash and equivalents$736.97M$452.51M$483.13M$342.14M$813.16M$163.12M$43.91M$40.32M$31.12M
Total assets$4.74B$4.12B$3.75B$3.14B$2.64B$1.77B$1.13B$952.11M$805.75M
Total liabilities$4.25B$3.68B$3.46B$2.90B$2.43B$1.63B$1.00B$842.95M$740.04M
Shareholders' equity$490.96M$438.70M$294.98M$243.49M$201.22M$140.22M$124.17M$109.16M$65.71M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Operating cash flow$254.58M$259.79M$191.54M$67.10M$29.85M$19.33M$13.67M$14.40M$7.62M
Capital expenditures$8.44M$9.90M$6.25M$2.84M$2.59M$5.37M$1.21M$1.15M$1.06M
Free cash flow$246.15M$249.89M$185.29M$64.26M$27.25M$13.96M$12.46M$13.25M$6.56M
Investing cash flow-$525.65M-$608.57M-$594.01M-$987.95M-$239.64M-$666.54M-$164.55M-$139.12M-$61.76M
Financing cash flow$555.52M$318.17M$543.46M$449.83M$859.84M$622.26M$154.47M$133.92M$59.65M
Share repurchases--------$3.0K
Stock-based compensation$8.60M$4.84M$3.69M$2.52M$1.28M$630.0K$431.0K$310.0K$285.0K
Depreciation and amortization$6.51M$4.55M$2.33M$1.81M$1.59M$1.36M$1.24M$1.07M$993.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue growth, YoY-6.8%33.4%47.8%174.0%64.0%30.4%24.8%20.6%-
Net income growth, YoY3.9%1.4%9.7%50.4%78.3%14.7%36.1%78.5%-
EPS growth, YoY-6.1%-0.3%8.6%39.4%74.2%14.8%18.7%54.2%-
Net margin8.7%7.8%10.2%13.8%25.1%23.1%26.3%24.1%16.3%
Free cash flow margin45.4%43.0%42.5%21.8%25.3%21.3%24.8%32.9%19.6%
Return on equity9.6%10.3%15.1%16.7%13.4%10.8%10.6%8.9%8.3%
Return on assets1.0%1.1%1.2%1.3%1.0%0.9%1.2%1.0%0.7%

Source: XBRL data Coastal Financial Corporation files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CCB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CCB$614.86M+11.8%-$3.65M-0.6%$667.0M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CCB FAQ

8 questions
  • What is CCB revenue?
    Coastal Financial Corporation (CCB) reported $614.86M of revenue for the twelve months ended Sep 30, 2026. That is up 11.8% from the year before. Revenue for fiscal 2025 was $541.67M.
  • Is CCB profitable?
    No. Coastal Financial Corporation reported a net loss of $3.65M for the twelve months ended Sep 30, 2026.
  • How much cash and debt does CCB have?
    Coastal Financial Corporation reported $803.55M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CCB revenue growing?
    Coastal Financial Corporation's revenue changed -6.8% in fiscal 2025, to $541.67M. Its compound annual growth rate was +52.5% over 5 years.
  • What is CCB free cash flow?
    Coastal Financial Corporation generated $244.25M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $252.58M less capital expenditures.
  • What is CCB earnings per share?
    Diluted earnings per share were -$0.25 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CCB last report financial results?
    The latest statements here come from Coastal Financial Corporation's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this CCB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Coastal Financial Corporation files with the SEC. It is provided for information only and is not investment advice.